I want to put text inside of rock and have an object drop on it and make the rock crumble leaving only the text
If I understand what you are wanting to achieve correctly, this can be accomplished using rigid body physics. First you need to have an object suitable to crumble, or shatter, the cell fracture addon works well here. 
If you do not have it enabled, then go to user preferences and enable it. 

Fracture your object, then add rigid body physics to one cell first. In the (tool panel under physics>add active) Next, go to the physics tab, and select enable deactivation and start deactivated. 



It also may be useful to adjust the friction settings here as well. Then B to border select all the fractures and click copy from active in the tool panel. 




Now, select your text and add physics to it. This time click add passive. 

Lastly, select your bottle and add it's physics which will be active. In the physics tab, select animated.



Now you can hide the rock object for now, keyframe the bottle's location at frame one, and it's final location upon resting on the text. When you are done setting your keyframes, unhide everything, and that's it! 

I just used a cube and Suzanne for my example, but you will be to achieve these results and more after following these steps.